You've just transferred thousands, maybe hundreds of thousands, to your child.

Intentia creates a written record of your intentions — what was meant, by whom, and on what terms — so that when disputes arise, families have evidence of what was agreed.

The Bank of Mum & Dad
£0b
transfers from parents to children
every year in the UK1
A gift of love — and a legal responsibility.
Where the money goes2
House deposits
£9.2b
Weddings
£3.4b
Debt relief
£3.1b
Divorce costs
£0.7b
Education costs
£0.6b
Most parental transfers are undocumented — leaving families exposed to dispute, tax liability & regret.

Why use this?

Without a written record, even the clearest intentions become legal arguments.

1
The divorce dispute

A parent gives £80,000 toward a daughter's house deposit. The daughter divorces five years later. The ex-husband's lawyer argues the money was a gift to the couple, not the daughter. Without a record, that argument has to be litigated.

2
The sibling inheritance battle

A parent lends £40,000 to one of three children. The parent dies. The other two siblings argue it was always meant to be deducted from the lender's inheritance. The lender insists it was a gift. The estate is held up for two years.

3
The unequal inheritance

A parent makes a transfer intending it to count as an advance on inheritance to equalise siblings. They die before writing this down. The Will doesn't mention it. The other siblings inherit equally, and the gift becomes a windfall — not what was intended.

Introducing Intentia from IDR Law

IDR Law is the UK's only specialist inheritance dispute law firm. Since 2017, they've handled over 30,000 cases6. The single most common cause? No written record of what the parent meant when they gave the money.

Intentia solves that. It's not legal advice. It's a written record of your intentions, created through guided questions and signed by everyone involved. When disputes arise, you'll have a clear record of what was agreed. That's what protects families.

Why Intentia matters

The scale of informal family gifting is growing:

£17bn1

gifted annually from parents to children

1M+3

families make informal transfers each year

50%4

of equity release payments support children

Only 12%5

of parents seek financial advice before gifting a house deposit

Only 8%5

seek legal advice

Unclear intentions increasingly lead to disputes after death. With changing tax rules on how pension funds are treated, inter‑generational wealth movement at record values, and a rise in blended families, this trend will accelerate. Intentia is a fast, affordable and accessible solution that produces a document with genuine evidential weight at a cost equivalent to just 20 minutes of a typical contentious probate lawyer’s hourly rate!

How Intentia works

A clear, intuitive journey:

The IDR Legal team has taken the 21 most common probate claims and issues arising out of a lifetime payment and turned them into a guided set of scenario questions to ensure that YOUR intentions regarding the lifetime transfer are recorded. NO legal knowledge is required – this is not legal advice – it is your intentions which need to be understood and recorded.

1
Answer guided questions

Intentia takes you through a guided set of Plain-English questions to determine your intentions and the nature of the payment. The questions are guided and use weighted logic to ensure nothing relevant is missed.

2
Receive your Memorandum of Intention

Intentia produces a Memorandum of Intention (a written record of what you meant when you gave or lent the money) that is bespoke to you. You will be invited to check and confirm/amend that document.

3
Sign electronically

Intentia will then invite you to electronically sign your Memorandum of Intention which also digitally date stamps the document. There is an option to send it to the family member receiving the transfer to co-sign electronically.

4
Optional protective steps

The intentions recorded in your Memorandum of Intention may prompt Intentia to recommend further OPTIONAL protective steps be provided by a legal professional. If that does happen, Intentia will provide suggested links to appropriate legal professionals to help with this.

Once completed, your electronically signed Memorandum of Intention can be downloaded for safekeeping or can be sent to your family and professional advisor. Alternatively, you may wish to store any number of documents and other important information in a digital vault – we have negotiated an introductory rate to use Kinvault. Use of Kinvault is entirely optional.

FAQs

Intentia is an app created and powered by IDR Law to help families capture clear intentions around gifts and loans. It produces an electronically signed and digitally date stamped confirmation of intention attached to the payment made. This is evidence of the agreement reached in relation to the transfer of funds. Intentia does not replace legal advice. Where additional advice is recommended, the Memorandum of Intention will flag next steps and facilitate referrals.

Intentia produces an electronically signed and digitally date stamped confirmation of intention attached to the payment made. This is evidence of the agreement reached in relation to the transfer of funds. For complex situations, blended families, or significant sums, we recommend seeking tailored advice from a qualified professional.

Intentia helps reduce the risk of misunderstandings that can contribute to disputes and potential IHT complications. It does not provide tax advice, but the Memorandum of Intention highlights relevant next steps so families can act early.

Yes. Intentia helps document intention for a wide range of family‑based support, including equity‑release‑funded gifts.

Most users complete clear agreements in minutes thanks to the structured question flow and autogenerated documents.

Documenting gifts through Intentia helps clarify your intentions, which can support and complement what is written in your will. The Memorandum of Intention (a written record of what you meant when you gave or lent the money) created by the app provides clear evidence of how you intended a payment to be treated during your lifetime. However, Intentia does not update your will for you.

If the arrangement affects how you want your estate to be distributed, you should review your will and speak to a qualified professional to ensure everything remains aligned. The Memorandum of Intention will highlight if any follow‑up actions, such as updating your will or notifying your executors, may be helpful.

Sources

1. Institute for Fiscal Studies, Bank of mum and dad drives increasing economic inequalities in early adulthood (2023)

2. Institute for Fiscal Studies, Who gives wealth transfers to whom and when? Patterns of giving and receiving lifetime gifts (2023), based on Wealth and Assets Survey data

3. Institute for Fiscal Studies, Who gives wealth transfers to whom and when? (2023)

4. Legal & General, Bank of Family Report (most recent annual) — Source pending confirmation

5. IDR Law analysis

6. IDR Law internal case data (2017-2024)

Turn good intentions into lasting clarity.

Start documenting family gifts and loans today.